Free SIP Calculator — Project Mutual Fund Returns
Calculate the future value of any Systematic Investment Plan in seconds. Adjust your monthly investment, tenure, and expected return — no sign-up, completely free.
How much you can invest every month without straining your budget.
Future Value
₹11.6L
₹5.0K/mo at 12% p.a. for 120 months
Invested
₹6.0L
120 mo contributions
Returns
₹5.6L
from compounding
Multiple
1.9×
your money grew
Milestones along the way
Smart Insights
Returns make up 48% of your future value. Stay invested longer to flip the ratio.
Investing 5 more years could add ₹13.6L — that's 2.2× your current corpus.
Next Step
Free up cash for SIPs by tracking your spending.
Nami categorises your expenses so you know exactly how much you can invest each month.
Monthly compounding estimate. Actual mutual fund returns are market-linked and not guaranteed.
Frequently asked questions
What is a SIP and how does this calculator work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. This calculator compounds your monthly contribution at your expected annual return to project the future value, the total you invested, and the wealth gained from compounding over your chosen tenure.
How is SIP return calculated?
We use the standard future value of a series formula with monthly compounding: FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is your monthly investment, i is the monthly rate (annual rate ÷ 12), and n is the number of months. Returns are the future value minus the total you invested.
What is a realistic expected return for SIPs in India?
Long-term equity mutual fund returns in India have historically averaged around 10–14% per year, though returns are market-linked and not guaranteed. Debt funds typically return less. Using 12% is a common, reasonable assumption for long-term equity SIPs.
Are SIP returns guaranteed?
No. SIPs invest in market-linked mutual funds, so actual returns vary year to year and can even be negative in the short term. The calculator shows a projection based on a constant assumed return, not a promise.
Is a SIP better than a recurring deposit (RD)?
Over long horizons, equity SIPs have historically outpaced RDs thanks to higher expected returns, but RDs offer guaranteed returns and capital safety. Your choice depends on your risk appetite and time horizon. See our SIP vs RD guide for a detailed comparison.
Does this SIP calculator account for step-up or inflation?
This version assumes a fixed monthly contribution and a constant return. It does not model annual step-ups or inflation-adjusted returns. Remember that a corpus reached in 20 years will buy less than the same amount today.